삼성카드

029780KOSPI

53.2 / 100

Reference Date: 2026-09-08

Financial Score17.5 / 40

News Sentiment16.7 / 25

Momentum9.0 / 20

Disclosure10.0 / 15

AI Analysis: PER is significantly undervalued vs. peers but the high debt ratio poses financial risk. Slightly down 2.5% over the past month, and news sentiment is positive.

Company InformationBased on 2025 Annual Report

Business Overview

Samsung Card, established in 1983, operates credit card services, installment leasing, and lifestyle convenience services with approximately 13.52 million members and 3.06 million merchants. In 2025, its personal credit card transaction volume reached 141.8 trillion won, a 9.1% increase from the previous year, and it has maintained the top position in customer satisfaction for 12 consecutive years.

Number of Employees

2,033people

Average Salary

146.4M KRW

Score Calculation Basis

Detailed Financial Score

PER

7.71Industry Average 15.006.5Point

Lower than industry avg (good)

PBR

0.61Industry Average 1.205.5Point

Lower than industry avg (good)

ROE

7.45Industry Average 8.002.5Point

Below industry avg

Debt Ratio

263.01Industry Average 100.000.0Point

2.6x industry avg (risky)

Trend 2023~20253.0 / 10 points

Revenue Growth Rate

0.0 / 3

Avg ▼18.4% (2-year basis)

Operating Profit Growth Rate

1.0 / 3

Avg ▲2.9% (2-year basis)

ROE Trend

2.0 / 4

Avg ROE 7.7% (declining, 3yr)

Detailed News Sentiment

61 totalPositive 27Neutral 22Negative 12Average Sentiment Score 67

Negative
"급해서 500만원 빌렸는데 이자 95만원"…서민들 날벼락
소비자들의 긴급 대출 이자 부담 증가로 삼성카드 이용 고객들의 불만이 고조되고 있다.
Positive
여행·해외 결제 혜택 경쟁 나선 카드사?'히어로 카드' 찾는다
신한카드의 여행 및 해외 결제 혜택 강화로 삼성카드와 경쟁 우위 확보 가능성 증가.
Negative
“500만원 썼더니 이자만 95만원”…현금서비스 쓴 10명 중 8명 ...
카드사의 현금서비스 최고금리 근접으로 인해 이용자 부담 증가 우려.

Detailed Momentum

52-week position1.0Point

Near 52w low (5%, downtrend)

Current 46,650Won52-week high 67,40052-week low 45,350

1-month return2.0Point

1m -2.51% (slight drop)

Volume trend6.0Point

Volume increasing

Detailed Disclosure

10 totalPositive 0Neutral 10Negative 0

Neutral증권발행실적보고서2026-09-07
Neutral투자설명서(일괄신고)2026-09-04
Neutral일괄신고추가서류2026-09-04
Neutral대규모기업집단현황공시[분기별공시(개별회사용)]2026-08-31
Neutral증권발행실적보고서2026-08-26